South Plains Financial Q4 net income $15.3M, EPS $0.90; full-year EPS up 17.8%; BOH acquisition

SOUTH PLAINS FINANCIAL, INC.

2025-FY EPS reported $3.44

Q4 2025 net income $15.3M ($0.90 diluted EPS) vs $16.3M ($0.96) in Q3 and $16.5M ($0.96) in Q4 2024.
Full-year 2025 net income $58.5M ($3.44 EPS) up 17.8% from $49.7M ($2.92) in 2024.
Net interest margin 4.00% in Q4 vs 3.75% a year ago; average cost of deposits fell to 2.01%.
Loans held for investment $3.14B (up 2.9% YoY); total assets $4.48B; tangible book value $29.05/share.
In December 2025 entered definitive agreement to acquire BOH Holdings (Bank of Houston) with ~$772M assets.

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